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Workers' Comp Insurance for Cleaning / Janitorial Businesses in Delaware

Commercial janitorial services (NCCI 9014) and residential house cleaning (9170) face moderate rates driven primarily by lifting injuries, slip-and-falls, and chemical exposure. Window cleaning above ground level has its own (higher) code in Delaware. The Delaware workers' compensation market is governed by DCRB, and the average rate statewide is approximately $1.39 per $100 of payroll.

Avg Cleaning / Janitorial rate in DE
$7.69
per $100 payroll
$100K payroll → annual
$7,687
estimated annual premium
Delaware bureau
DCRB
Private market

Delaware requirements for cleaning / janitorial businesses

When required: Required for any employer with one or more employees.

Sole proprietors: Sole proprietors are exempt unless they elect coverage.

Owner / officer exclusion: Officers/LLC members may be excluded with rejection form.

Cleaning / Janitorial class codes used in Delaware

9014 Janitorial Services by Contractors — No Window Cleaning Above Ground Level & Drivers
$4.42-$12.00
DE typical rate
9170 Janitorial Services — Residential
$4.42-$11.37
DE typical rate
9015 Building Operation NOC — All Other Employees
$3.79-$10.11
DE typical rate

Why cleaning / janitorial workers' comp is tricky in Delaware

Cleaning services that include window washing above ground level, biohazard cleanup, or carpet/floor restoration all have separate higher-rated codes that should be properly split.

Tips for Delaware cleaning businesses

  • ✓ Stay under 1 story for window cleaning to keep base rate
  • ✓ Document MSDS and chemical training
  • ✓ Split residential (9170) and commercial (9014) revenue if applicable

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Cleaning / Janitorial workers' comp in other states

Rates and requirements for cleaning businesses vary widely by state. Compare Delaware to other major markets:

Cleaning / Janitorial in California $1.45 Cleaning / Janitorial in Texas $1.04 Cleaning / Janitorial in Florida $1.42 Cleaning / Janitorial in New York $1.41 Cleaning / Janitorial in Pennsylvania $1.27 Cleaning / Janitorial in Illinois $1.66 Cleaning / Janitorial in Ohio $0.74 Cleaning / Janitorial in Georgia $1.06

Other industries in Delaware

Delaware workers' comp rates and requirements for other common industries:

Construction in DE 9 class codes Roofing in DE 1 class code Plumbing in DE 3 class codes Electrical in DE 3 class codes HVAC in DE 2 class codes Painting in DE 3 class codes Landscaping in DE 3 class codes Restaurants in DE 4 class codes

More Delaware workers' comp resources